Local 150 New Member Journey
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Local 150
New Member Journey
1
Introductions
2
Introductions
• Fund Office Staff
• Tom Bernstein, Administrative Manager of the Fund Office
• Pam Kowalski, Director of Communications & Member Education
• Kerry McMahon, Member Services Manager
• Matthew Mosqueda, Benefits & Eligibility Services Group Manager
• Diane Pierson, Member Advocate
3
Agenda
• What to Expect as a New Member?
• Union Benefits
• Fringe Benefits
• Available Resources
• New Member Journey
• Before you are Eligible for Health & Welfare
• When you are Eligible for Health & Welfare
• Benefit Seminars & Open Enrollment Events
• Important Next Steps
• Questions?
4
Who are we?
We work at the Fund Office
Fund Office staff responsible for your fringe benefits
The Fund Office is located on the District 1 campus
Responsible for collecting employer contributions and allocating to employee’s
individual account
As a self-insured entity, the Fund Office currently processes all medical claims
Dental claims are adjudicated by Delta Dental of Illinois (Not applicable to the
Bronze PPO plan)
Pension department processes all pension applications
We partner with Fidelity to administer the Retirement Enhancement Fund
Fund Office issues Vacation Savings Fund checks
5
What to Expect as a New Member?
6
As a New Member What Should I Expect?
• Stay Informed – Learn your craft – Learn your benefits
• Understand Your Union Benefits
• Understand Your Fringe Benefits
• Utilize Available Resources
7
How do I stay informed?
• PLEASE …. READ YOUR MAIL
• Upon becoming a member, READ Engineer monthly newsletter
• Attend District Meetings - REQUIRED
• Attend General Membership Meetings (July/January) – REQUIRED
• Friday, July 16th – District 1 Union Hall at 7:00 p.m.
• Required Classes
• COMET/Labor Law Education/Know Your Union
• Other events hosted by the Fund Office
• Benefit Seminars – Fall 2021
• Open Enrollment Events – late 2021/early 2022
• Pre-Retirement Seminars – Summer 2021
• Fund Office Website www.moefunds.com
• Local 150 Website www.local150.org
• ASIP Website www.asiplocal150.org
• Local 150 Community Website www.My150.com
8
What are my Union Benefits?
• Take advantage of:
• ASIP training facility More you work directly affects your benefits
• Credit Union
• Understand the hiring hall rules
• Great fringe benefits
• Paying union dues provides protection and fair wages
• Additional benefits through Midwest Coalition of Labor (MCL) Only for
dues paying members
• Must Attend to Receive Registration Card
• Know Your Union
• Labor Law Education (Classes 1, 2, 3)
• COMET Class
9
What are my Fringe Benefits?
Your employer is responsible for paying a specified dollar amount per hour for each
fringe benefit included under your collective bargaining agreement (CBA).
Take the time to read your CBA to become familiar with the terms of your fringe
benefits.
10What are my Fringe Benefits? (continued)
Your CBA will outline what fringe benefits your employer pays which may include:
• Welfare Fund / Retiree Welfare Plan (RWP)*
• Retiree Medical Saving Plan (RMSP)
• Pension Plan
• Retiree Enhancement Fund (REF) – 401(a)
• Vacations Savings Fund (taxable earnings)
• Operating Engineers Local 150 Apprenticeship Fund
• Construction Research Fund (CRF)
* Hourly Members - The RWP subsidy is removed from your contracted Welfare Fund rate.
11Sample CBA Rates as of June 1, 2021
To All Companies Signatory to the following Agreements:
Mid-America Regional Bargaining Association (MARBA) Heavy Highway & Underground and
Building
Excavators Inc. Heavy Highway and Underground and Building
Chicago Area Independent Contractors Association (CAICA) Heavy Highway & Underground and
Building
Contractors Association of Will and Grundy Counties Heavy Highway & Underground and Building
The rates shown above are in addition to your hourly wages.
Rates are dependent on what contract you fall under and the area you work in.
Higher rates on certain fringes for journeyman, third- & fourth-year apprentices.
12Fringe Benefit Resources
• Specific CBA questions, contact your Business Agent
• Visit www.moefunds.com
• Fund Office Advocates
• Diane Pierson – Member Advocate
• Tracy Biela – Pharmacy Benefit Advocate & Pharmacy Benefit Manager
• Contact the Fund Office at (800) 323-3060 or (708) 482-7300
• Open Monday through Friday 8:00 a.m. to 5:00 p.m. and Saturday 8:00 a.m.
to Noon
13Visit
www.moefunds.com
for
Important Fringe Benefit
Information
14New Member Journey
15New Member Journey
• Today’s meeting is to gain a better understanding of who we are and
what you need to expect on your new Member journey:
• New Member but not YET Eligible for Health & Welfare Coverage
• Newly Eligible for Health & Welfare
• Benefit Seminars and First Open Enrollment
16New Member and not YET Eligible for H&W
17New Member But Not Eligible for H&W
• Critical that you keep your contact information up to date (address,
email, phone). This will be easier once you are registered on My150.
• Dispatch
• District Office
• Fund Office
• ASIP
• Credit Union
• Keep track of your hours
• For Eligibility purposes
• Builds credits in your Credit Bank
18Becoming Indentured
• You will become indentured within 30-45 days from the date that you
are dispatched and start working
• At the time you are indentured, you will need to pay your annual
initiation dues
• Keep your dues receipt with you until you receive your apprenticeship
card
19New Member But Not YET Eligible for H&W
• Once you are indentured, schedule your DOT Physical!
• FREE at the Operators’ Health Center or Activate Healthcare
• Refer to information sheet in folder for phone numbers
• You MUST bring your initiation dues receipt
• You MUST call either location to make the appointment and identify yourself
as being an apprentice at the training site
• If you cannot make your appointment, please call to cancel and then re-
schedule Don’t be a no show
20New Member But Not YET Eligible for H&W
Once your first hours are reported by your employer, and remitted to the
Fund Office:
Health & Welfare
• You will be assigned a unique medical ID number need for My150 registration
• You will receive a welcome letter from the Fund Office
Pension
• Your first hour of work in Covered Employment provides 1 Year of Vesting Service
Retirement Enhancement Fund (REF)
• Fidelity Investments handles the administration of the REF
• Visit www.Fidelity.com/atwork
• Register for your account
• Update your beneficiary through Fidelity
• 100% vested with first contribution; able to change investment options otherwise
automatically invested in Age Based Funds
21New Member But Not YET Eligible for H&W
Once your first hours are reported and remitted
to the Fund Office:
General Information
• Now you can register on My150 (www.My150.com)
• Get registered!
• Update My PROFILE
• Add dependents
• View My HOURS
• Pay My DUES
• Update your beneficiaries for each fringe benefit
(H&W, Pension, RMSP, Vacation Savings)
• Annual Open Enrollment – pick health plan option
and/or coverage tier
22New Member and ELIGIBLE for H&W
23What is the Marketplace?
• Hourly members have 1. You Work
coverage under the Welfare
Fund through the
Marketplace
• You must work 300 hours in a 5. You use your
credits for You work
2. Your employer
Annual Open contributes to
rolling consecutive 12-month medical coverage
Enrollment – the Fund
period select health
• Once eligible, you will auto plan/coverage
tier
enroll into the Bronze PPO
Plan
• During Annual Open Your employer
contributes
4. Youtoauto
the enroll
Enrollment, you will be able Fund the Bronze
into
PPO; Fund Office 3. You get credits
to change your health plan validates and in your Bank
option and/or coverage tier selects coverage
tier
24When Am I Eligible for H&W Coverage?
• You must work 300 hours in a rolling consecutive 12-month period
Example 1: Example 2: Example 3:
May Work Hours 100 100 50
June Work Hours 200 100 100
July Work Hours 0 100 100
300 Hours Rec’d by Fund July August N/A
Administration Period August September N/A
Start Using Credits September 1 October 1 Not Yet Eligible
• During Administration Period, Fund Office will validate your
dependents and select the appropriate coverage tier. Be sure to
submit required documents.
• If you never reach 300 hours, you will not become eligible and you
will not be able to use your credits for coverage.
25What will I receive from the Fund Office?
• Once you meet eligibility requirements (i.e. 300 hours in 12-month period)
• You will receive new member packet from Member Services
You will receive a temporary vendor/medical ID card to use until you
receive your official vendor/BCBS medical ID card
Official BCBS medical ID cards will be issued within 30 days; if not received,
call Member Services (708) 579-6600
• Member Services will validate your dependents and update your Coverage Tier
(Member, Member +1, Family)
• You will receive welcome packets from vendors:
ERS, Member Assistance Program
OptumRx
BCBS Card – medical ID card
RedCard – vendors applicable to Bronze PPO Plan with informational inserts
26Who are Eligible Dependents?
• Your legal spouse
• Children under the age of 26
• Physically or mentally disabled children
If you do not submit your required documents for your dependents within 90 days from your
eligibility date, you will not be able to add your dependents until the following Open Enrollment
Period mid-Jan. 2022 – 2/28/2022. Start gathering documents now!!
27Why am I Auto-Enrolled into the Bronze PPO Plan?
• Lowest credit cost plan
• Easier to remain eligible
No credits No eligibility No medical or Rx Coverage
Re-establish by working 300 hours in 12-month period
• Allows you to build up Credit Bank
• Become an informed consumer & have a better understanding of the Marketplace
• Take advantage of FREE services
• Use your Family Supplemental Benefit for services not covered by the plan
28How Long am I in the Bronze PPO Plan?
• Upon your initial eligibility or if you re-establish eligibility, you will
remain in the Bronze PPO Plan for the remainder of the Plan Year
• If you remain eligible at the time of Open Enrollment, you will be able
to select from one of the seven health plan options (including the
Bronze PPO Plan)
• If you first become eligible or re-establish eligibility on March 1, you
will remain in the Bronze PPO Plan for 13 months, but you can select
a Plan during the following year’s open enrollment period
29Eligibility & Plan Change Examples
• Member becomes eligible on May 1, 2021
Will remain in the Bronze PPO Plan through March 31, 2022
During open enrollment, mid Jan. 2022 – February 28, 2022, member can
select new health plan option for coverage effective April 1, 2022 through
March 31, 2023
• Member becomes eligible on February 1, 2021
Will remain in the Bronze PPO Plan through March 31, 2021
During open enrollment, mid Jan. 2021 – February 28, 2021, member can
select new health plan option for coverage effective April 1, 2021 through
March 31, 2022
o Ensure you have enough credits and project work hours to maintain
higher credit costing plan
o If you lose eligibility, you will auto enroll into the Bronze PPO Plan
• Member becomes eligible on March 1, 2021
Will remain in the Bronze PPO Plan through March 31, 2022
During open enrollment, mid-Jan 2022 – February 28, 2022, member can
select new health plan option for coverage effective April 1, 2022 through
March 31, 2023
30How are Credits Determined?
Monthly Credits = (Your Hourly Contribution Rate Less the Retiree Subsidy)
x Number of Hours/Month You Work
Example under Heavy Highway
$16.75 Your Hourly Contribution Rate
_ $ 3.35 Retiree Subsidy (20% x $16.75)
13.40 Credits per Hour
X 145 Number of Hours/Month You Work
1,943 Your Monthly Credits
Effective April 1, 2021, the retiree subsidy is 20% of every contribution dollar.
Simple Example:
Hourly Welfare Contribution Rate: $10.00 - 20% Subsidy = _________ Credits per hour
31My HOURS
Retiree Subsidy is
removed from the
Welfare Rate and Credits
are determined for you in
your My150 account.
32What is the Monthly Credit Cost of the Bronze PPO Plan?
Plan Member Member + 1 Family
Operators’ Health Center Plan 1,166 1,353 1,538
Plan A PPO 1,371 1,590 1,810
Platinum PPO 1,307 1,518 1,727
EPO (Modified HMO) 1,289 1,495 1,703
Gold PPO 1,202 1,392 1,585
Silver PPO 1,130 1,310 1,491
Bronze PPO 660 1,083 1,232
Hours Required to Work if Under the
50 hrs/mth 82.05 hrs/mth 93.33 hrs/mth
Heavy Highway Contract
Annual Hours Required 600 hrs/yr 984.60 hrs/yr 1,119.96 hrs/yr
REMINDER: Add your dependents and once the Fund Office validates, you will be
placed into the appropriate coverage tier Member, Member +1, or Family 33What are the Details of the Bronze PPO Plan?
• Preferred provider organization or PPO network BCBS network
• High deductible plan – major medical coverage
• 3 coverage tiers
• Ancillary benefits are not included
No dental benefits
No accidental death & dismemberment (ADD) $5,000 MCL Benefit
No basic death benefit $10,000 MCL Benefit
No weekly disability benefit
Annual Out-of- Preventive
Annual Pocket Care Physician Hospital Diagnostic
Plan Deductible Maximum Services Services* Services* Services*
$5,000/person $5,000/person
Bronze PPO 100% 100% 100% 100%
$10,000/family $10,000/family
* The PPO Plan’s coinsurance is the amount paid by the fund after the deductibles are met.
34Does the Bronze PPO Plan Have Rx Coverage?
Retail (up to two 30-day fills)
Short - Term
Medication Non-
Preferred
Generic Preferred Specialty**
Brand Name*
Brand*
Bronze PPO $20 $40 $55 $100
Maintenance Long Term Medication (90-day fills)
Medication
Preferred Brand Non-Preferred
Generic
Name* Brand*
Bronze PPO $50 $100 $115
* DAW Penalties Apply
35What Pharmacy Can I Use?
• You must use OptumRx in-network pharmacies – Over 60,000 Nationwide
• Short-Term Medication (up to two 30-day refills); ANY
OptumRx in-network retail pharmacy (e.g. CVS, Target, Walgreens, etc.)
• Long-Term Medication (90-day supply); USE ONLY
CVS or Target retail pharmacy OR
OptumRx home delivery
• Specialty Medication Available through Optum’s Specialty Pharmacy
To locate an in-network pharmacy, visit optumrx.com.
36Bronze PPO Plan – Take Advantage of FREE Services! • ACA preventive services are covered at 100% if utilizing BCBS in-network providers Annual wellness exams for the family Age-appropriate immunizations • Utilize Operators’ Health Center or Activate Healthcare, including DOT Physicals • Visit CVS/Target retail store MinuteClinics – be aware that there are some cash pay services • Absolute Solutions, Imaging Network – FREE MRI, PET/CT scans when medically necessary • ATI Physical Therapy facilities – no referral, will coordinate medical necessity with Valenz Care (Case Manager) • ERS – up to five free counseling sessions per episode for you or any family member living in your home • Family Supplemental Benefit is $2,000 per Plan Year Receive reimbursement for vision services – USE EyeMed for deeper discounts Receive reimbursement for dental services 37
Operators’ Health Center (OHC) Building Better Health
• Located in Countryside, IL & Merrillville, IN
• Services covered under your Plan and performed at the OHC are free!
• Types of Services Offered:
Annual/School physicals
Acute/Urgent Care
Flu shots, immunizations and vaccinations
Allergy Management
Clinical laboratory Services
Disease/Condition management
Patient Education
On-site Physical Therapy BOTH facilities have Physical Therapy
DOT Physicals Must call and schedule your appointment
Coming Soon to Countryside, IL Behavioral Health
Please call to cancel appointment and reschedule, instead of being a NO SHOW!
38Activate Healthcare (Union Division of Everside)
• Located in Rockford, IL & Davenport, IA
• Services covered under your Plan and performed at the center are free!
• Types of Services Offered:
Annual/School physicals
Acute/Urgent Care
Flu shots, immunizations and vaccinations
Allergy Management
Clinical laboratory Services
Disease/Condition management
Patient Education
On-site Pharmacy generic medications for Rx’s from Activate provider
24/7 Nurse Line assistance for after hours care
Please call to cancel appointment and reschedule, instead of being a NO SHOW!
39MinuteClinic (located in CVS/Target retail)
• All eligible members/dependents/retirees
• Most services are free but there are some cash pay services refer to
flyer in folder
• Bring medical ID card and vendor card
• Visit www.minuteclinic.com to find nearest location and book appointment
• For current services including cash services, visit www.moefunds.com
• Services can change annually
40Absolute Solutions Imaging Network
• If medically necessary, FREE MRI, PET/CT scans
• NO deductible
• NO copayment
• NO coinsurance
• Call (800) 321-5040 Monday – Friday between hours of 7:00 a.m. –
6:30 p.m.
• Your provider should send the order to scheduling@absolutedx.com
or fax to (888) 893-5330
• The medical report will be sent to prescribing provider within 4-5 days
• Download the mobile APP by searching for ABSO DX
41ATI Physical Therapy Partnership
• No cost to eligible members REGARDLESS of health plan option
• No MD or DO referral is needed
• Unless primary insurance requires (i.e. Medicare, spouse’s health insurance)
• Medical necessity is automatically coordinated with MCM
• Over 850 clinic locations in 25 states
• ATIpt.com/MOE or call 833-ATI-0001
42Member Assistance Program (MAP)
Employee Resource Systems (ERS)
• Same certification process through Case Manager, MCM
• Available to members and immediate family members living in your
home
• Excellent customer service utilizing Masters level clinicians
• Dedicated counseling staff
• Up to 5 counseling services per episode for FREE
All information shared with the MAP counselor will be held in the
strictest confidence
• Call (855) 374-1674
43Family Supplemental Benefit (FSB)
• Benefit available for the family
• Resets each Plan Year (4/1/- 3/31)
• $2,000 per Plan Year
• Available for eligible members/dependents
• Must be medically necessary and reimbursed for benefits not provided under the Bronze
PPO Plan
Vision services
Dental services
Hearing aids
• Complete claim form and submit within 12-months from date of service
Submit paid receipt
Explanation of benefits, denying the charge
Forms are in your folders, additional forms visit www.moefunds.com/forms
44Bronze PPO Plan – Medical ID Card
45Bronze PPO Plan – Vendor Card
46What if my spouse also has medical coverage?
• As long as you have Credits in your Credit Bank and you meet the
Eligibility requirements, you must have coverage under the
Marketplace
• Your coverage will be processed as primary, and your spouse’s
coverage will be processed as secondary
• If your child is covered under both plans, the parent whose birthday is
earlier in the Calendar Year shall pay as primary
Different rules apply if you are divorced or not married
47What if I have VA benefits?
• Again, as long as you have Credits in your Credit Bank and you meet
the Eligibility requirements, you must have coverage under the
Marketplace
• Your coverage will be processed as primary and then any remaining
portions will be considered through your VA benefits
48Benefit Seminars & Open Enrollment Events
49Why do I need to attend Benefit Seminar?
• Stay Informed so you can make the best decision for you and your
family
• The Fund Office presents updated information for the new Plan Year
Monthly credit cost deductions of health plan options can change each Plan
Year
Updated Retiree Subsidy can change each Plan Year
Enhancements to the Marketplace health plan options, if any
Enhancements to My150
Additional information and reminders regarding other Local 150 fringe benefits
(i.e., Pension, Retirement Enhancement Fund, etc.)
Saturday – Doors open at 8:15 a.m.
Presentation starts promptly at 9 a.m.
District 1 – Union Hall District 5 – Union Hall District 7 – Union Hall
(Districts 1, 2, 3) (Districts 4, 5, 8) (District 6, 7)
11/6/2021 12/11/2021 11/20/2021 50Why do I need to attend an Open Enrollment Event?
• Open Enrollment is an annual process – READ your open enrollment guide
Open Enrollment: January 17, 2022 through February 28, 2022
Plan Year is April 1 – March 31
• This allows you to review all the health plan options with a Fund Office navigator
• Your opportunity to select a new health plan option/coverage tier for the
upcoming Plan Year (4/1/2022 – 3/31/2023)
If you do not actively select a new health plan option, you will default back into
the Bronze PPO Plan
• See the impact on your credit bank and ensure that you can maintain your health
& welfare coverage
51Open Enrollment Dates
Fund Office will schedule a date to come to ASIP to assist members
with the enrollment process (typically, first Friday of February 2022).
Alternatively, you can schedule an appointment at one of the following
Open Enrollment events. Spouse’s are welcome to attend with you!
52Important Next Steps
53Next Steps
• Be on the lookout for important information from the Fund Office
• READ and SHARE information with your spouse, if applicable
• As soon as you receive your Medical ID number, Register on My150
and keep track of your hours
• Gather important Documents
• Marriage Certificate/Birth Certificates/SSN Cards
• Ask questions and call the Fund Office if you need assistance!
54Questions?
55Presented by Casey Martin
MCL Credit Union Location 6240 Joliet Road, Countryside, IL 60525 Contact Information Phone: 708.482.9606 Main Fax: 708.482.9622 Loan Fax: 708.482.9399 24/7 Info: 708.482.9111 Hours of Operation Monday – Friday 8:30 a.m. – 5:00 p.m. Saturday 8:00 a.m. – 12:00 p.m. Online Website: www.mclcu.org Facebook and Twitter: @MCLCreditUnion
Credit Union
What is a Credit Union?
• A cooperative financial institution owned by the members to serve the
members, providing traditional banking services
• Checking, Savings, CDs, loans and other financial products and services
What is the difference between Credit
a Bank and Credit Union? Bank
Union
For For
1. Credit Union’s are Not-For-Profit Purpose
Profit People
o Earnings are cycled back to the members Ownership Stockholders Members
instead of stockholders & & are
o Goal: Optimize and Maximize the Credit Structure Customers Owners
Union’s holdings Stockholders Unpaid Board
Decisions &
& Elected by
2. The members have voting privileges Governance
Paid Board Members
o Elect the Board of Directors at the annual Earnings
Sent to Returned to
meeting Stockholders Members
Profit Service
o Influence on the direction of the Credit Service
Driven Driven
Union
Federally Federally
3. Credit Union’s have membership Insurance Insured Insured
by the FDIC by the NCUA
requirementsMembership in the Credit Union
Who is eligible?
• Members in good standing of IUOE
Local 150, and other participating
unions affiliated with the Midwest
Coalition of Labor
• Immediate family
What do I need to do to join?
1. Complete the application
2. Copy of driver’s license or state ID
3. Copy of current union card (must be in good standing)
4. At a minimum, an initial deposit of $100 to open a savings account
o Go all in!About MCL Credit Union
Ok, so why should I join the Credit Union?
1.Not-For-Profit : with the goal to Optimize and Maximize the
Holdings
• Fundamentally better rates and services than a bank (more in a second)
• Guidance you can trust with NO SALES AGENDA
2.We understand our members and seasonal employment
• Have you tried getting a loan from a bank when you’re unemployed?
3.You are a member and an owner here
• What are you at your bank?
• We can work with you in tough times
• Decisions are made locally with oversight from our elected leaders
4.We have some services that are not offered by any other
financial institution
Banks are for profit, Credit Unions are for PeopleAbout MCL Credit Union
Deposit Products Network
• FREE Checking Accounts • Largest Surcharge-Free ATM
• Debit Card with access to over Network in the US with 55,000+
55,000 Surcharge-Free ATMs
Surcharge-Free ATMs
• Direct Deposit
• E-Statements • Convenient Locations
• Online banking
• Free Bill Pay
• App with Mobile Source Capture
(take a picture of a check to
deposit it)
• Ability to connect with Venmo,
PayPal, Cash App, popmoney
• Savings Accounts
• Money Markets
• Certificates of Deposits
(CDs)About MCL Credit Union
Lending Products Specific to Local 150
• New and Used Auto Loans • Automatic Payment of Dues
• Including Motorcycles, RVs and Boats From Your Account
• Home Equity Lines of Credit • Vacation Savings Loans
• 1st Mortgages • Direct Deposit of Vacation
• Credit Cards Savings
• Unsecured Loans • Self Pay Insurance Payment
• Share Secured Loans • Surviving Spouse Insurance
Payments
• Credit Building Loans and VISAs
Other Services
• Certified Checks
• Payroll Deduction
• Wire Transfers
• 24/7 Audio Response
• Night DepositoryGoal: Optimize and Maximize
Like us on Facebook, Follow us on Twitter
@MCLCreditUnionStay Informed on Updates & Promotions
Go All In! Any Questions?
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